PFS
BuyUnloved QualityAI screen passProvident Financial Services, Inc. · Financial Services · United States · $3.0B cap · $20.7M/day traded
$23.22 -0.1% · close 26 Oct · scored 27 Oct
Unloved Quality: Strong and cheap; the market has not turned yet.
Report expected 29 Oct: the next-year EPS estimate has risen 2.7% over the last 14 weeks.
As of 27 Oct 2026, MoatMap's StockRank for Provident Financial Services, Inc. (PFS) is 70/100, ranked against 24,000+ stocks in 35 markets (Quality 60, Value 55, Momentum 50, each scored against its sector).
Does StockRank work? Each month we publish how every decile did, whichever way it went. See the record →
Provident Financial Services clears the calibrated bar on the stricter path, with all three legs above 60 (Q61 V60 M65) and an active buyback as additional corroboration. Nothing adverse survives the evidence test: the only insider figure on file is selling that rounds to 0.00% of shares outstanding, which the framework treats as unusable in either direction rather than as adverse. Higher-for-longer rates support net interest margin for a deposit-funded regional lender.
The ranks quoted here are from the day it was written; today's Quality, Value and Momentum are the bars above.
ABOUT PROVIDENT FINANCIAL SERVICES, INC.
Read
Provident Financial Services, Inc. is the holding company for Provident Bank, a community-oriented financial institution primarily serving New Jersey and Pennsylvania. It offers comprehensive commercial and retail banking services, including various deposit products, commercial real estate loans, and residential mortgages. The bank's strong regional presence and focus on localized customer relationships provide a competitive edge against larger institutions.
FINANCIAL SUMMARY (USD)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | 505.3M | 479.3M | 694.7M | 870.4M | 19.9% | 894.3M | 939.4M | 997.0M | 7.0% |
| EPS | 2.20 | 2.35 | 1.72 | 1.05 | 2.23 | 0.3% | 2.40 | 2.44 | 2.57 | 7.3% |
| Shares | — | 75.2M | 75.5M | 130.5M | 130.6M | +73.8% | 130.4M | — | — | — |
| Debt | — | 1.2B | 1.5B | 2.3B | 2.4B | 24.7% | 3.0B | — | — | — |
| Equity | — | 1.6B | 1.7B | 2.6B | 2.8B | 21.0% | — | — | — | — |
| Op CF | — | 200.3M | 173.4M | 426.4M | 442.3M | 30.2% | 370.5M | — | — | — |
| Inv CF | — | -647.6M | -469.6M | 507.7M | -1.1B | — | — | — | — | — |
| Fin CF | — | -78.7M | 290.0M | -908.4M | 615.6M | — | — | — | — | — |
Above its 200-day average and 8% below its 52-week high.
The Momentum score still reads 50: it weighs six months of price and earnings revisions, so it trails a turn like this.
Calmer than 86% of stocks we rank over the past year (23% a year).
How this is worked out
StockRank judges the business. The price check reads only the chart: it is the price side of the Momentum score, in words.
The rules: Still falling is a new 52-week low in the last two weeks, at least 25% below the high. Finding a floor is no new low since. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average and within 15% of the high.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn like this one cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: day-to-day price moves over the past year, as a yearly figure, ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of PFS are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| PFS | Provident Financial Services, Inc.(you) | $3.0B | 70 | Buy |
| CUBI | Customers Bancorp, Inc. | $2.9B | 71 | Buy |
| TRMK | Trustmark Corporation | $2.7B | 68 | Buy |
| NIC | Nicolet Bankshares, Inc. | $3.6B | 71 | Buy |
| BBT | Beacon Financial Corporation | $2.5B | 68 | Buy |
| FFBC | First Financial Bancorp. | $3.4B | 66 | Buy |
| FIBK | First Interstate BancSystem, Inc. | $3.4B | 66 | Buy |
| FBNC | First Bancorp | $2.7B | 66 | Buy |
| WSBC | WesBanco, Inc. | $3.7B | 67 | Buy |
| WAFD | WaFd, Inc. | $2.2B | 69 | Buy |
Peer medians: ROE 9.6% · P/E 13.0x · Gross margin 75.4%
Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.